Fall River, MA · Charter 8616
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
12
Profitability
49
Liquidity
0
Efficiency
100
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Fall River, MA · Charter 8616
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.57% | 0.73% | 0.86% | 0.98% | 1.08% | 1.18% | 0.83% | 1.00% | +2 bps | |
| Return on Equity | 2.87% | 3.67% | 4.38% | 4.98% | 5.49% | 5.86% | 4.23% | 5.08% | +10 bps | |
| Net Interest Margin | 2.16% | 2.18% | 2.35% | 2.57% | 2.64% | 2.73% | 2.77% | 2.78% | +21 bps | |
| Efficiency Ratio | 75.10% | 68.39% | 65.23% | 63.72% | 60.86% | 58.72% | 67.30% | 63.91% | +19 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.13% | 3.71% | 3.11% | 3.78% | 6.13% | 4.60% | 6.41% | 6.60% | +281 bps | |
| Loan Growth (YoY) | 11.37% | 5.65% | 8.22% | 9.63% | 11.67% | 12.07% | 13.29% | 10.46% | +83 bps | |
| Share Growth (YoY) | 4.48% | 3.72% | 2.97% | 3.60% | 6.29% | 4.30% | 6.44% | 6.62% | +302 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.41% | 2.11% | 2.00% | 2.36% | 3.52% | 2.16% | 2.99% | 1.91% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 19.84% | 19.92% | 19.73% | 19.70% | 19.73% | 20.16% | 19.69% | 19.65% | -6 bps | |
| Net Worth / Assets | 19.84% | 19.92% | 19.73% | 19.70% | 19.73% | 20.16% | 19.69% | 19.65% | -6 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.00% | 36.42% | 37.16% | 36.60% | 37.82% | 39.13% | 39.56% | 37.92% | +132 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Fall River, MA · Charter 8616 · Peer group: credit unions under $1B in assets in the Providence-Warwick, RI-MA area (n=25)
NCUA · 1 branch
Q2 2026
Return on Assets
1.00%
Rank 6 of 25
Net Interest Margin
2.78%
Rank 18 of 25
Efficiency Ratio
63.88%
Rank 1 of 25
Equity / Assets
19.65%
Rank 1 of 25
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.00% | 0.39% | 0.58% | 0.96% | Beats 76% | 6 / 25 | ||
| Return on Equity | 5.09% | 3.08% | 5.38% | 8.04% | Beats 44% | 14 / 25 | ||
| Net Interest Margin | 2.78% | 2.78% | 3.19% | 3.68% | Beats 28% | 18 / 25 | ||
| Efficiency Ratio | 63.88% | 74.87% | 81.63% | 89.25% | Beats 100% | 1 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.91% | 0.21% | 0.48% | 0.93% | Beats 12% | 23 / 25 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.65% | 9.94% | 11.40% | 12.51% | Beats 96% | 1 / 25 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.65% | 9.94% | 11.40% | 12.51% | Beats 96% | 1 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 37.92% | 54.80% | 74.79% | 86.25% | 12th pctl | 22 / 25 | ||
| Loans / Assets | 30.44% | 49.28% | 61.62% | 76.11% | 8th pctl | 23 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||